It’s a new year, and that means many changes are coming to the Federal Government programs that Canadians rely on. Many of these changes are already in place: for example, $7,000 worth of new tax-free ...

Two powerful forces collide in the decision about when to start Canada Pension Plan benefits as an early retiree. To start, there’s the 36-per-cent reduction in benefits at 60 compared with 65. Can ...